Home > The First National Bank of Park Falls > Performance and Condition Ratios
The First National Bank of Park Falls, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 3,710 |
| Cost of funding earning assets | 0.9023% | 1,986 |
| Net interest margin | 3.3476% | 4,037 |
| Noninterest income to average assets | 0.2638% | 4,118 |
| Noninterest expense to average assets | 2.9385% | 2,163 |
| Loan and lease loss provision to assets | 0.5052% | 213 |
| Net operating income to assets | -0.0617% | 5,167 |
| Return on assets (ROA) | -0.1544% | 5,194 |
| Pretax return on assets | -0.1487% | 5,185 |
| Return on Equity (ROE) | -1.5182% | 5,206 |
| Retained earnings to average equity (ytd only) | -1.5182% | 4,707 |
| Net charge-offs to loans | -0.0050% | 4,027 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7440% | 534 |
| Assets per employee ($millions) | 4.8219% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 4,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 1,901 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 56.5005% | 4,031 |
| Net loans and leases to deposits | 63.3493% | 4,229 |
| Net loans and leases to core deposits | 73.5081% | 3,826 |
| Total domestic deposits to total assets | 89.1888% | 775 |
| Equity capital to assets | 10.5280% | 3,322 |
| Core capital (leverage) ratio | 10.0750% | 3,519 |
| Tier 1 risk-based capital ratio | 17.3277% | 2,003 |
| Total risk-based capital ratio | 18.2120% | 2,068 |
| Memoranda: | ||
| Average total assets | $142,524,000 | 3,496 |
| Average earning assets | $132,991,500 | 3,470 |
| Average equity | $14,491,000 | 3,740 |
| Average total loans | $80,580,000 | 3,682 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 3,547 |
| Cost of funding earning assets | 0.6846% | 2,181 |
| Net interest margin | 3.4777% | 3,780 |
| Noninterest income to average assets | 0.3149% | 4,011 |
| Noninterest expense to average assets | 2.3026% | 4,115 |
| Loan and lease loss provision to assets | 0.0881% | 2,383 |
| Net operating income to assets | 1.1423% | 2,424 |
| Return on assets (ROA) | 1.1444% | 2,413 |
| Pretax return on assets | 1.1464% | 3,111 |
| Return on Equity (ROE) | 11.7116% | 1,815 |
| Retained earnings to average equity (ytd only) | 2.2429% | 4,259 |
| Net charge-offs to loans | 0.2679% | 720 |
| Credit loss provision to net charge-offs | 61.0577% | 3,091 |
| Earnings coverage of net charge-offs (x) | 8.5433% | 2,890 |
| Efficiency ratio | 65.1364% | 3,008 |
| Assets per employee ($millions) | 5.0073% | 2,495 |
| Cash dividends to net income (ytd only)* | 80.8485% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 4,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 1,952 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 55.6683% | 4,157 |
| Net loans and leases to deposits | 63.3038% | 4,294 |
| Net loans and leases to core deposits | 74.2584% | 3,830 |
| Total domestic deposits to total assets | 87.9383% | 1,321 |
| Equity capital to assets | 9.8201% | 3,842 |
| Core capital (leverage) ratio | 10.2881% | 3,256 |
| Tier 1 risk-based capital ratio | 16.5605% | 2,221 |
| Total risk-based capital ratio | 17.1987% | 2,366 |
| Memoranda: | ||
| Average total assets | $144,185,000 | 3,453 |
| Average earning assets | $133,506,800 | 3,445 |
| Average equity | $14,088,600 | 3,737 |
| Average total loans | $77,639,200 | 3,713 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1446% | 3,479 |
| Cost of funding earning assets | 0.6588% | 2,097 |
| Net interest margin | 3.4857% | 3,742 |
| Noninterest income to average assets | 0.3224% | 3,994 |
| Noninterest expense to average assets | 2.3298% | 4,021 |
| Loan and lease loss provision to assets | 0.0695% | 2,583 |
| Net operating income to assets | 1.1413% | 2,483 |
| Return on assets (ROA) | 1.1441% | 2,477 |
| Pretax return on assets | 1.1459% | 3,212 |
| Return on Equity (ROE) | 11.7233% | 1,893 |
| Retained earnings to average equity (ytd only) | 2.2212% | 4,496 |
| Net charge-offs to loans | -0.0452% | 4,898 |
| Credit loss provision to net charge-offs | -288.4615% | 4,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7688% | 2,909 |
| Assets per employee ($millions) | 4.7243% | 2,816 |
| Cash dividends to net income (ytd only)* | 81.0522% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 4,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 1,654 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 54.5122% | 4,329 |
| Net loans and leases to deposits | 61.5629% | 4,466 |
| Net loans and leases to core deposits | 70.4237% | 4,164 |
| Total domestic deposits to total assets | 88.5471% | 1,028 |
| Equity capital to assets | 9.6093% | 3,987 |
| Core capital (leverage) ratio | 10.1048% | 3,515 |
| Tier 1 risk-based capital ratio | 16.8667% | 2,149 |
| Total risk-based capital ratio | 17.7301% | 2,219 |
| Memoranda: | ||
| Average total assets | $143,928,250 | 3,492 |
| Average earning assets | $132,957,250 | 3,492 |
| Average equity | $14,045,750 | 3,769 |
| Average total loans | $76,698,000 | 3,767 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 3,486 |
| Cost of funding earning assets | 0.6372% | 2,006 |
| Net interest margin | 3.4528% | 3,790 |
| Noninterest income to average assets | 0.3097% | 4,101 |
| Noninterest expense to average assets | 2.2867% | 4,177 |
| Loan and lease loss provision to assets | 0.0594% | 2,717 |
| Net operating income to assets | 1.1461% | 2,407 |
| Return on assets (ROA) | 1.1461% | 2,412 |
| Pretax return on assets | 1.1475% | 3,140 |
| Return on Equity (ROE) | 11.6859% | 1,845 |
| Retained earnings to average equity (ytd only) | 2.2836% | 4,367 |
| Net charge-offs to loans | -0.0656% | 5,013 |
| Credit loss provision to net charge-offs | -172.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4531% | 3,073 |
| Assets per employee ($millions) | 4.8017% | 2,679 |
| Cash dividends to net income (ytd only)* | 80.4584% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 4,186 |
| Loan loss allowance to noncurrent loans | 192.4731% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 2,997 |
| Noncurrent loans to loans | 0.4853% | 2,982 |
| Net loans and leases to total assets | 52.7209% | 4,428 |
| Net loans and leases to deposits | 59.0290% | 4,589 |
| Net loans and leases to core deposits | 66.6857% | 4,332 |
| Total domestic deposits to total assets | 89.3135% | 809 |
| Equity capital to assets | 9.6556% | 3,962 |
| Core capital (leverage) ratio | 9.9463% | 3,637 |
| Tier 1 risk-based capital ratio | 16.0052% | 2,435 |
| Total risk-based capital ratio | 16.7924% | 2,560 |
| Memoranda: | ||
| Average total assets | $144,661,670 | 3,505 |
| Average earning assets | $133,398,330 | 3,507 |
| Average equity | $14,188,000 | 3,776 |
| Average total loans | $76,261,330 | 3,798 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 3,584 |
| Cost of funding earning assets | 0.6375% | 1,790 |
| Net interest margin | 3.3703% | 3,985 |
| Noninterest income to average assets | 0.2566% | 4,461 |
| Noninterest expense to average assets | 2.2433% | 4,320 |
| Loan and lease loss provision to assets | 0.0993% | 1,864 |
| Net operating income to assets | 1.0237% | 2,761 |
| Return on assets (ROA) | 1.0237% | 2,780 |
| Pretax return on assets | 1.0209% | 3,462 |
| Return on Equity (ROE) | 10.3577% | 2,247 |
| Retained earnings to average equity (ytd only) | 10.3577% | 1,050 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6940% | 3,048 |
| Assets per employee ($millions) | 5.0636% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 4,381 |
| Loan loss allowance to noncurrent loans | 5,700.0000% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 3,898 |
| Noncurrent loans to loans | 0.0160% | 4,920 |
| Net loans and leases to total assets | 50.4859% | 4,526 |
| Net loans and leases to deposits | 55.9787% | 4,690 |
| Net loans and leases to core deposits | 62.9964% | 4,491 |
| Total domestic deposits to total assets | 90.1876% | 586 |
| Equity capital to assets | 9.6782% | 3,909 |
| Core capital (leverage) ratio | 10.0575% | 3,464 |
| Tier 1 risk-based capital ratio | 17.8324% | 1,883 |
| Total risk-based capital ratio | 18.6584% | 1,958 |
| Memoranda: | ||
| Average total assets | $144,967,000 | 3,533 |
| Average earning assets | $133,638,000 | 3,538 |
| Average equity | $14,327,500 | 3,794 |
| Average total loans | $76,061,500 | 3,837 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 2,951 |
| Cost of funding earning assets | 0.5949% | 1,627 |
| Net interest margin | 3.5357% | 3,400 |
| Noninterest income to average assets | 0.3886% | 3,711 |
| Noninterest expense to average assets | 2.3184% | 4,278 |
| Loan and lease loss provision to assets | 0.1054% | 2,126 |
| Net operating income to assets | 1.2430% | 1,382 |
| Return on assets (ROA) | 1.2480% | 1,386 |
| Pretax return on assets | 1.2495% | 2,557 |
| Return on Equity (ROE) | 12.0751% | 1,192 |
| Retained earnings to average equity (ytd only) | 2.9908% | 3,508 |
| Net charge-offs to loans | 0.1257% | 1,793 |
| Credit loss provision to net charge-offs | 153.6842% | 1,743 |
| Earnings coverage of net charge-offs (x) | 19.6737% | 2,010 |
| Efficiency ratio | 63.2014% | 3,733 |
| Assets per employee ($millions) | 4.7696% | 2,773 |
| Cash dividends to net income (ytd only)* | 75.2315% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8383% | 4,704 |
| Loan loss allowance to noncurrent loans | 4,984.6154% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 3,893 |
| Noncurrent loans to loans | 0.0168% | 4,952 |
| Net loans and leases to total assets | 53.5716% | 4,395 |
| Net loans and leases to deposits | 59.7109% | 4,584 |
| Net loans and leases to core deposits | 68.0567% | 4,288 |
| Total domestic deposits to total assets | 89.7183% | 670 |
| Equity capital to assets | 10.0937% | 3,601 |
| Core capital (leverage) ratio | 10.4067% | 2,956 |
| Tier 1 risk-based capital ratio | 16.8935% | 2,127 |
| Total risk-based capital ratio | 17.6540% | 2,232 |
| Memoranda: | ||
| Average total assets | $138,459,800 | 3,637 |
| Average earning assets | $128,434,400 | 3,604 |
| Average equity | $14,310,400 | 3,807 |
| Average total loans | $75,599,800 | 3,828 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 2,831 |
| Cost of funding earning assets | 0.5899% | 1,605 |
| Net interest margin | 3.5510% | 3,318 |
| Noninterest income to average assets | 0.4069% | 3,639 |
| Noninterest expense to average assets | 2.3344% | 4,200 |
| Loan and lease loss provision to assets | 0.1058% | 1,996 |
| Net operating income to assets | 1.2624% | 1,462 |
| Return on assets (ROA) | 1.2672% | 1,475 |
| Pretax return on assets | 1.2682% | 2,630 |
| Return on Equity (ROE) | 12.1869% | 1,281 |
| Retained earnings to average equity (ytd only) | 3.0818% | 4,073 |
| Net charge-offs to loans | 0.0798% | 2,003 |
| Credit loss provision to net charge-offs | 242.2222% | 1,161 |
| Earnings coverage of net charge-offs (x) | 31.3325% | 1,513 |
| Efficiency ratio | 63.0309% | 3,705 |
| Assets per employee ($millions) | 4.2759% | 3,517 |
| Cash dividends to net income (ytd only)* | 74.7126% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 4,639 |
| Loan loss allowance to noncurrent loans | 1,652.5000% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 3,670 |
| Noncurrent loans to loans | 0.0534% | 4,872 |
| Net loans and leases to total assets | 54.2936% | 4,391 |
| Net loans and leases to deposits | 61.6945% | 4,541 |
| Net loans and leases to core deposits | 68.5022% | 4,335 |
| Total domestic deposits to total assets | 88.0041% | 1,359 |
| Equity capital to assets | 10.6285% | 3,235 |
| Core capital (leverage) ratio | 10.2934% | 3,209 |
| Tier 1 risk-based capital ratio | 17.0716% | 2,135 |
| Total risk-based capital ratio | 17.8609% | 2,236 |
| Memoranda: | ||
| Average total assets | $137,302,500 | 3,682 |
| Average earning assets | $127,471,250 | 3,656 |
| Average equity | $14,277,250 | 3,854 |
| Average total loans | $75,174,000 | 3,874 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1027% | 2,818 |
| Cost of funding earning assets | 0.5906% | 1,508 |
| Net interest margin | 3.5121% | 3,349 |
| Noninterest income to average assets | 0.4103% | 3,622 |
| Noninterest expense to average assets | 2.3367% | 4,252 |
| Loan and lease loss provision to assets | 0.1048% | 1,933 |
| Net operating income to assets | 1.2309% | 1,498 |
| Return on assets (ROA) | 1.2324% | 1,525 |
| Pretax return on assets | 1.2324% | 2,649 |
| Return on Equity (ROE) | 11.9391% | 1,320 |
| Retained earnings to average equity (ytd only) | 2.7769% | 4,044 |
| Net charge-offs to loans | 0.1169% | 1,466 |
| Credit loss provision to net charge-offs | 163.6364% | 1,440 |
| Earnings coverage of net charge-offs (x) | 20.8636% | 1,774 |
| Efficiency ratio | 63.6292% | 3,737 |
| Assets per employee ($millions) | 4.5755% | 2,980 |
| Cash dividends to net income (ytd only)* | 76.7414% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 4,840 |
| Loan loss allowance to noncurrent loans | 1,785.7143% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 3,658 |
| Noncurrent loans to loans | 0.0471% | 4,957 |
| Net loans and leases to total assets | 53.7030% | 4,421 |
| Net loans and leases to deposits | 60.1724% | 4,610 |
| Net loans and leases to core deposits | 66.6848% | 4,430 |
| Total domestic deposits to total assets | 89.2486% | 830 |
| Equity capital to assets | 10.5489% | 3,281 |
| Core capital (leverage) ratio | 10.2709% | 3,177 |
| Tier 1 risk-based capital ratio | 16.9549% | 2,162 |
| Total risk-based capital ratio | 17.7030% | 2,289 |
| Memoranda: | ||
| Average total assets | $137,460,000 | 3,701 |
| Average earning assets | $127,673,000 | 3,675 |
| Average equity | $14,188,670 | 3,870 |
| Average total loans | $75,248,330 | 3,895 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 2,888 |
| Cost of funding earning assets | 0.6009% | 1,368 |
| Net interest margin | 3.4425% | 3,473 |
| Noninterest income to average assets | 0.3548% | 4,000 |
| Noninterest expense to average assets | 2.3205% | 4,351 |
| Loan and lease loss provision to assets | 0.1047% | 1,826 |
| Net operating income to assets | 1.1283% | 1,761 |
| Return on assets (ROA) | 1.1312% | 1,780 |
| Pretax return on assets | 1.1312% | 2,857 |
| Return on Equity (ROE) | 11.0803% | 1,533 |
| Retained earnings to average equity (ytd only) | 11.0803% | 590 |
| Net charge-offs to loans | 0.1004% | 1,368 |
| Credit loss provision to net charge-offs | 189.4737% | 1,045 |
| Earnings coverage of net charge-offs (x) | 22.3158% | 1,418 |
| Efficiency ratio | 65.3028% | 3,616 |
| Assets per employee ($millions) | 4.6388% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 5,039 |
| Loan loss allowance to noncurrent loans | 1,754.2857% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 3,975 |
| Noncurrent loans to loans | 0.0461% | 5,010 |
| Net loans and leases to total assets | 54.0926% | 4,332 |
| Net loans and leases to deposits | 60.4133% | 4,538 |
| Net loans and leases to core deposits | 66.7761% | 4,378 |
| Total domestic deposits to total assets | 89.5376% | 877 |
| Equity capital to assets | 10.3194% | 3,387 |
| Core capital (leverage) ratio | 10.1912% | 3,250 |
| Tier 1 risk-based capital ratio | 17.0935% | 2,154 |
| Total risk-based capital ratio | 17.8245% | 2,283 |
| Memoranda: | ||
| Average total assets | $137,557,000 | 3,731 |
| Average earning assets | $127,813,500 | 3,704 |
| Average equity | $14,043,000 | 3,915 |
| Average total loans | $75,702,000 | 3,912 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 2,873 |
| Cost of funding earning assets | 0.5456% | 1,735 |
| Net interest margin | 3.5487% | 3,254 |
| Noninterest income to average assets | 0.3584% | 4,177 |
| Noninterest expense to average assets | 2.3948% | 4,312 |
| Loan and lease loss provision to assets | 0.1068% | 2,268 |
| Net operating income to assets | 1.1484% | 1,700 |
| Return on assets (ROA) | 1.1937% | 1,621 |
| Pretax return on assets | 1.1945% | 2,697 |
| Return on Equity (ROE) | 11.3922% | 1,435 |
| Retained earnings to average equity (ytd only) | 2.7503% | 3,944 |
| Net charge-offs to loans | 0.2151% | 1,286 |
| Credit loss provision to net charge-offs | 91.2500% | 2,772 |
| Earnings coverage of net charge-offs (x) | 10.7313% | 2,609 |
| Efficiency ratio | 65.5981% | 3,663 |
| Assets per employee ($millions) | 4.2484% | 3,529 |
| Cash dividends to net income (ytd only)* | 75.8578% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 5,133 |
| Loan loss allowance to noncurrent loans | 1,705.7143% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 4,203 |
| Noncurrent loans to loans | 0.0464% | 5,058 |
| Net loans and leases to total assets | 55.1052% | 4,339 |
| Net loans and leases to deposits | 62.9612% | 4,474 |
| Net loans and leases to core deposits | 70.6819% | 4,184 |
| Total domestic deposits to total assets | 87.5225% | 1,861 |
| Equity capital to assets | 10.0957% | 3,612 |
| Core capital (leverage) ratio | 10.3827% | 3,014 |
| Tier 1 risk-based capital ratio | 16.9904% | 2,162 |
| Total risk-based capital ratio | 17.7165% | 2,300 |
| Memoranda: | ||
| Average total assets | $136,713,400 | 3,722 |
| Average earning assets | $126,835,800 | 3,707 |
| Average equity | $14,325,600 | 3,902 |
| Average total loans | $74,396,400 | 3,934 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 2,967 |
| Cost of funding earning assets | 0.5404% | 1,789 |
| Net interest margin | 3.5349% | 3,343 |
| Noninterest income to average assets | 0.3584% | 4,216 |
| Noninterest expense to average assets | 2.4026% | 4,276 |
| Loan and lease loss provision to assets | 0.1071% | 2,140 |
| Net operating income to assets | 1.1297% | 1,876 |
| Return on assets (ROA) | 1.1842% | 1,794 |
| Pretax return on assets | 1.1842% | 2,897 |
| Return on Equity (ROE) | 11.2000% | 1,595 |
| Retained earnings to average equity (ytd only) | 2.0079% | 4,681 |
| Net charge-offs to loans | 0.2590% | 906 |
| Credit loss provision to net charge-offs | 76.3889% | 2,709 |
| Earnings coverage of net charge-offs (x) | 8.8192% | 2,729 |
| Efficiency ratio | 66.0155% | 3,592 |
| Assets per employee ($millions) | 4.2405% | 3,526 |
| Cash dividends to net income (ytd only)* | 82.0723% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7665% | 5,282 |
| Loan loss allowance to noncurrent loans | 1,923.3333% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 3,707 |
| Noncurrent loans to loans | 0.0399% | 5,208 |
| Net loans and leases to total assets | 55.0529% | 4,398 |
| Net loans and leases to deposits | 62.5777% | 4,591 |
| Net loans and leases to core deposits | 70.6194% | 4,278 |
| Total domestic deposits to total assets | 87.9752% | 1,415 |
| Equity capital to assets | 10.8545% | 3,196 |
| Core capital (leverage) ratio | 10.0769% | 3,466 |
| Tier 1 risk-based capital ratio | 16.9202% | 2,250 |
| Total risk-based capital ratio | 17.6281% | 2,416 |
| Memoranda: | ||
| Average total assets | $136,904,500 | 3,743 |
| Average earning assets | $127,071,000 | 3,720 |
| Average equity | $14,475,750 | 3,914 |
| Average total loans | $74,117,500 | 3,965 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0438% | 3,085 |
| Cost of funding earning assets | 0.5361% | 1,814 |
| Net interest margin | 3.5077% | 3,465 |
| Noninterest income to average assets | 0.3496% | 4,278 |
| Noninterest expense to average assets | 2.4150% | 4,290 |
| Loan and lease loss provision to assets | 0.1063% | 2,085 |
| Net operating income to assets | 1.0793% | 2,043 |
| Return on assets (ROA) | 1.1609% | 1,841 |
| Pretax return on assets | 1.1594% | 2,946 |
| Return on Equity (ROE) | 11.0761% | 1,610 |
| Retained earnings to average equity (ytd only) | 0.5281% | 5,145 |
| Net charge-offs to loans | 0.3120% | 761 |
| Credit loss provision to net charge-offs | 63.4783% | 2,539 |
| Earnings coverage of net charge-offs (x) | 7.0696% | 2,671 |
| Efficiency ratio | 67.0983% | 3,520 |
| Assets per employee ($millions) | 4.1569% | 3,642 |
| Cash dividends to net income (ytd only)* | 95.2321% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7586% | 5,380 |
| Loan loss allowance to noncurrent loans | 280.2956% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 3,412 |
| Noncurrent loans to loans | 0.2706% | 4,394 |
| Net loans and leases to total assets | 54.2641% | 4,484 |
| Net loans and leases to deposits | 63.0828% | 4,564 |
| Net loans and leases to core deposits | 70.2010% | 4,311 |
| Total domestic deposits to total assets | 86.0205% | 2,412 |
| Equity capital to assets | 10.6897% | 3,413 |
| Core capital (leverage) ratio | 9.9381% | 3,636 |
| Tier 1 risk-based capital ratio | 16.7693% | 2,325 |
| Total risk-based capital ratio | 17.4703% | 2,482 |
| Memoranda: | ||
| Average total assets | $137,307,670 | 3,768 |
| Average earning assets | $127,205,670 | 3,736 |
| Average equity | $14,391,330 | 3,945 |
| Average total loans | $73,729,670 | 4,004 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0033% | 3,212 |
| Cost of funding earning assets | 0.5503% | 1,710 |
| Net interest margin | 3.4529% | 3,656 |
| Noninterest income to average assets | 0.2854% | 4,682 |
| Noninterest expense to average assets | 2.4401% | 4,258 |
| Loan and lease loss provision to assets | 0.1048% | 1,954 |
| Net operating income to assets | 0.9434% | 2,539 |
| Return on assets (ROA) | 0.9871% | 2,452 |
| Pretax return on assets | 0.9813% | 3,548 |
| Return on Equity (ROE) | 9.5125% | 2,196 |
| Retained earnings to average equity (ytd only) | 1.7117% | 4,585 |
| Net charge-offs to loans | 0.6184% | 359 |
| Credit loss provision to net charge-offs | 31.8584% | 2,208 |
| Earnings coverage of net charge-offs (x) | 3.1681% | 2,578 |
| Efficiency ratio | 70.0669% | 3,116 |
| Assets per employee ($millions) | 4.1873% | 3,609 |
| Cash dividends to net income (ytd only)* | 82.0059% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7323% | 5,532 |
| Loan loss allowance to noncurrent loans | 308.6705% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6665% | 3,061 |
| Noncurrent loans to loans | 0.2372% | 4,583 |
| Net loans and leases to total assets | 52.3845% | 4,598 |
| Net loans and leases to deposits | 58.5870% | 4,812 |
| Net loans and leases to core deposits | 64.6650% | 4,646 |
| Total domestic deposits to total assets | 89.4132% | 883 |
| Equity capital to assets | 10.4413% | 3,564 |
| Core capital (leverage) ratio | 9.7057% | 3,903 |
| Tier 1 risk-based capital ratio | 17.0231% | 2,280 |
| Total risk-based capital ratio | 17.6898% | 2,456 |
| Memoranda: | ||
| Average total assets | $137,372,000 | 3,791 |
| Average earning assets | $127,196,000 | 3,763 |
| Average equity | $14,255,000 | 3,975 |
| Average total loans | $73,090,500 | 4,044 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1072% | 2,886 |
| Cost of funding earning assets | 0.5121% | 2,052 |
| Net interest margin | 3.5951% | 3,157 |
| Noninterest income to average assets | 0.3446% | 4,450 |
| Noninterest expense to average assets | 2.4390% | 4,414 |
| Loan and lease loss provision to assets | 0.1176% | 2,024 |
| Net operating income to assets | 1.1234% | 1,824 |
| Return on assets (ROA) | 1.2191% | 1,551 |
| Pretax return on assets | 1.2236% | 2,577 |
| Return on Equity (ROE) | 11.4893% | 1,443 |
| Retained earnings to average equity (ytd only) | 1.7763% | 4,718 |
| Net charge-offs to loans | 0.1931% | 1,508 |
| Credit loss provision to net charge-offs | 114.7059% | 2,221 |
| Earnings coverage of net charge-offs (x) | 12.1471% | 2,494 |
| Efficiency ratio | 66.1960% | 3,874 |
| Assets per employee ($millions) | 4.2676% | 3,454 |
| Cash dividends to net income (ytd only)* | 84.5393% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 5,318 |
| Loan loss allowance to noncurrent loans | 78.9406% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7813% | 2,728 |
| Noncurrent loans to loans | 1.0565% | 2,226 |
| Net loans and leases to total assets | 53.1993% | 4,573 |
| Net loans and leases to deposits | 59.4138% | 4,813 |
| Net loans and leases to core deposits | 65.4988% | 4,631 |
| Total domestic deposits to total assets | 89.5403% | 830 |
| Equity capital to assets | 10.3118% | 3,608 |
| Core capital (leverage) ratio | 10.1511% | 3,317 |
| Tier 1 risk-based capital ratio | 17.3439% | 2,165 |
| Total risk-based capital ratio | 18.1246% | 2,279 |
| Memoranda: | ||
| Average total assets | $132,636,000 | 3,839 |
| Average earning assets | $123,222,600 | 3,813 |
| Average equity | $14,074,000 | 3,957 |
| Average total loans | $70,435,400 | 4,082 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 2,937 |
| Cost of funding earning assets | 0.5086% | 2,135 |
| Net interest margin | 3.5906% | 3,199 |
| Noninterest income to average assets | 0.3382% | 4,521 |
| Noninterest expense to average assets | 2.4245% | 4,442 |
| Loan and lease loss provision to assets | 0.1114% | 2,025 |
| Net operating income to assets | 1.1444% | 1,850 |
| Return on assets (ROA) | 1.2507% | 1,538 |
| Pretax return on assets | 1.2548% | 2,578 |
| Return on Equity (ROE) | 11.7015% | 1,460 |
| Retained earnings to average equity (ytd only) | 1.3076% | 5,194 |
| Net charge-offs to loans | 0.2620% | 1,008 |
| Credit loss provision to net charge-offs | 80.2920% | 2,607 |
| Earnings coverage of net charge-offs (x) | 9.0804% | 2,739 |
| Efficiency ratio | 65.8054% | 3,926 |
| Assets per employee ($millions) | 4.0151% | 3,851 |
| Cash dividends to net income (ytd only)* | 88.8257% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7899% | 5,543 |
| Loan loss allowance to noncurrent loans | 60.5150% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 0.9283% | 2,540 |
| Noncurrent loans to loans | 1.3053% | 1,957 |
| Net loans and leases to total assets | 53.4615% | 4,621 |
| Net loans and leases to deposits | 59.8798% | 4,868 |
| Net loans and leases to core deposits | 64.8622% | 4,768 |
| Total domestic deposits to total assets | 89.2814% | 881 |
| Equity capital to assets | 10.4959% | 3,609 |
| Core capital (leverage) ratio | 10.1664% | 3,419 |
| Tier 1 risk-based capital ratio | 17.6676% | 2,129 |
| Total risk-based capital ratio | 18.4078% | 2,261 |
| Memoranda: | ||
| Average total assets | $131,654,500 | 3,901 |
| Average earning assets | $122,688,000 | 3,868 |
| Average equity | $14,072,000 | 4,002 |
| Average total loans | $69,729,000 | 4,138 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0884% | 2,938 |
| Cost of funding earning assets | 0.5115% | 2,152 |
| Net interest margin | 3.5769% | 3,179 |
| Noninterest income to average assets | 0.3638% | 4,342 |
| Noninterest expense to average assets | 2.4023% | 4,541 |
| Loan and lease loss provision to assets | 0.1096% | 2,003 |
| Net operating income to assets | 1.1798% | 1,668 |
| Return on assets (ROA) | 1.3153% | 1,328 |
| Pretax return on assets | 1.3199% | 2,288 |
| Return on Equity (ROE) | 12.2319% | 1,304 |
| Retained earnings to average equity (ytd only) | 6.0027% | 2,245 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9918% | 4,192 |
| Assets per employee ($millions) | 4.0418% | 3,794 |
| Cash dividends to net income (ytd only)* | 50.9259% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 5,135 |
| Loan loss allowance to noncurrent loans | 64.6199% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.0430% | 2,419 |
| Noncurrent loans to loans | 1.4571% | 1,821 |
| Net loans and leases to total assets | 53.9285% | 4,565 |
| Net loans and leases to deposits | 61.5923% | 4,729 |
| Net loans and leases to core deposits | 66.1460% | 4,639 |
| Total domestic deposits to total assets | 87.5572% | 1,874 |
| Equity capital to assets | 10.7256% | 3,191 |
| Core capital (leverage) ratio | 10.3419% | 3,158 |
| Tier 1 risk-based capital ratio | 18.5519% | 1,907 |
| Total risk-based capital ratio | 19.4465% | 1,969 |
| Memoranda: | ||
| Average total assets | $131,373,000 | 3,939 |
| Average earning assets | $122,395,000 | 3,904 |
| Average equity | $14,127,000 | 4,029 |
| Average total loans | $69,172,000 | 4,182 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 3,040 |
| Cost of funding earning assets | 0.5244% | 2,061 |
| Net interest margin | 3.5273% | 3,313 |
| Noninterest income to average assets | 0.3716% | 4,234 |
| Noninterest expense to average assets | 2.3959% | 4,606 |
| Loan and lease loss provision to assets | 0.1088% | 1,889 |
| Net operating income to assets | 1.1360% | 1,737 |
| Return on assets (ROA) | 1.2569% | 1,469 |
| Pretax return on assets | 1.2599% | 2,426 |
| Return on Equity (ROE) | 11.6735% | 1,434 |
| Retained earnings to average equity (ytd only) | 8.8674% | 1,246 |
| Net charge-offs to loans | 0.0117% | 2,957 |
| Credit loss provision to net charge-offs | 1,800.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 206.5000% | 276 |
| Efficiency ratio | 65.7546% | 4,198 |
| Assets per employee ($millions) | 4.2274% | 3,516 |
| Cash dividends to net income (ytd only)* | 24.0385% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 5,401 |
| Loan loss allowance to noncurrent loans | 86.2069% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 3,161 |
| Noncurrent loans to loans | 1.0596% | 2,647 |
| Net loans and leases to total assets | 50.1161% | 4,835 |
| Net loans and leases to deposits | 56.2218% | 5,036 |
| Net loans and leases to core deposits | 60.3481% | 4,968 |
| Total domestic deposits to total assets | 89.1400% | 1,177 |
| Equity capital to assets | 10.7240% | 3,295 |
| Core capital (leverage) ratio | 10.1312% | 3,425 |
| Tier 1 risk-based capital ratio | 18.5457% | 1,991 |
| Total risk-based capital ratio | 19.3955% | 2,049 |
| Memoranda: | ||
| Average total assets | $132,391,500 | 3,947 |
| Average earning assets | $122,812,000 | 3,928 |
| Average equity | $14,254,500 | 4,031 |
| Average total loans | $68,552,000 | 4,215 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2534% | 2,763 |
| Cost of funding earning assets | 0.5791% | 1,963 |
| Net interest margin | 3.6743% | 3,109 |
| Noninterest income to average assets | 0.5541% | 3,155 |
| Noninterest expense to average assets | 2.7088% | 3,826 |
| Loan and lease loss provision to assets | 0.0917% | 2,631 |
| Net operating income to assets | 1.1659% | 1,692 |
| Return on assets (ROA) | 1.2694% | 1,424 |
| Pretax return on assets | 1.2726% | 2,338 |
| Return on Equity (ROE) | 12.0888% | 1,388 |
| Retained earnings to average equity (ytd only) | 6.4057% | 1,706 |
| Net charge-offs to loans | 0.1963% | 2,092 |
| Credit loss provision to net charge-offs | 86.5672% | 2,720 |
| Earnings coverage of net charge-offs (x) | 11.9030% | 2,439 |
| Efficiency ratio | 68.2397% | 3,856 |
| Assets per employee ($millions) | 3.8090% | 4,326 |
| Cash dividends to net income (ytd only)* | 47.0112% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 5,605 |
| Loan loss allowance to noncurrent loans | 129.0393% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 3,434 |
| Noncurrent loans to loans | 0.6668% | 3,679 |
| Net loans and leases to total assets | 52.5786% | 4,732 |
| Net loans and leases to deposits | 59.1136% | 4,972 |
| Net loans and leases to core deposits | 64.2726% | 4,807 |
| Total domestic deposits to total assets | 88.9450% | 1,268 |
| Equity capital to assets | 10.8118% | 3,107 |
| Core capital (leverage) ratio | 10.2380% | 3,262 |
| Tier 1 risk-based capital ratio | 18.5310% | 1,982 |
| Total risk-based capital ratio | 19.3530% | 2,068 |
| Memoranda: | ||
| Average total assets | $126,511,800 | 4,046 |
| Average earning assets | $117,601,400 | 4,015 |
| Average equity | $13,285,000 | 4,137 |
| Average total loans | $68,279,600 | 4,229 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 2,757 |
| Cost of funding earning assets | 0.5885% | 1,940 |
| Net interest margin | 3.6778% | 3,113 |
| Noninterest income to average assets | 0.5672% | 3,084 |
| Noninterest expense to average assets | 2.6875% | 3,865 |
| Loan and lease loss provision to assets | 0.0869% | 2,612 |
| Net operating income to assets | 1.2150% | 1,629 |
| Return on assets (ROA) | 1.3305% | 1,348 |
| Pretax return on assets | 1.3337% | 2,261 |
| Return on Equity (ROE) | 12.7676% | 1,274 |
| Retained earnings to average equity (ytd only) | 7.1926% | 1,720 |
| Net charge-offs to loans | 0.1330% | 2,463 |
| Credit loss provision to net charge-offs | 120.5882% | 1,906 |
| Earnings coverage of net charge-offs (x) | 18.1038% | 1,861 |
| Efficiency ratio | 67.3128% | 3,987 |
| Assets per employee ($millions) | 3.7075% | 4,476 |
| Cash dividends to net income (ytd only)* | 43.6655% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 5,616 |
| Loan loss allowance to noncurrent loans | 101.4658% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 4,102 |
| Noncurrent loans to loans | 0.8823% | 3,366 |
| Net loans and leases to total assets | 53.1516% | 4,676 |
| Net loans and leases to deposits | 59.9692% | 4,947 |
| Net loans and leases to core deposits | 66.8003% | 4,629 |
| Total domestic deposits to total assets | 88.6314% | 1,434 |
| Equity capital to assets | 10.6943% | 3,312 |
| Core capital (leverage) ratio | 9.9883% | 3,693 |
| Tier 1 risk-based capital ratio | 17.9834% | 2,216 |
| Total risk-based capital ratio | 18.8334% | 2,324 |
| Memoranda: | ||
| Average total assets | $125,763,000 | 4,099 |
| Average earning assets | $117,131,000 | 4,054 |
| Average equity | $13,105,750 | 4,199 |
| Average total loans | $68,178,500 | 4,268 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 2,866 |
| Cost of funding earning assets | 0.5904% | 1,973 |
| Net interest margin | 3.6336% | 3,214 |
| Noninterest income to average assets | 0.5947% | 2,844 |
| Noninterest expense to average assets | 2.6521% | 4,045 |
| Loan and lease loss provision to assets | 0.0868% | 2,576 |
| Net operating income to assets | 1.2553% | 1,432 |
| Return on assets (ROA) | 1.3984% | 1,107 |
| Pretax return on assets | 1.4016% | 1,884 |
| Return on Equity (ROE) | 13.5423% | 1,045 |
| Retained earnings to average equity (ytd only) | 8.2187% | 1,242 |
| Net charge-offs to loans | 0.2009% | 1,825 |
| Credit loss provision to net charge-offs | 79.4118% | 2,343 |
| Earnings coverage of net charge-offs (x) | 12.3088% | 2,072 |
| Efficiency ratio | 66.3450% | 4,309 |
| Assets per employee ($millions) | 3.8452% | 4,172 |
| Cash dividends to net income (ytd only)* | 39.3103% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8665% | 5,823 |
| Loan loss allowance to noncurrent loans | 318.1818% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 5,191 |
| Noncurrent loans to loans | 0.2723% | 5,201 |
| Net loans and leases to total assets | 53.6453% | 4,579 |
| Net loans and leases to deposits | 60.7321% | 4,809 |
| Net loans and leases to core deposits | 67.8478% | 4,486 |
| Total domestic deposits to total assets | 88.3309% | 1,720 |
| Equity capital to assets | 10.6808% | 3,218 |
| Core capital (leverage) ratio | 10.1186% | 3,447 |
| Tier 1 risk-based capital ratio | 18.0031% | 2,243 |
| Total risk-based capital ratio | 18.8269% | 2,364 |
| Memoranda: | ||
| Average total assets | $124,430,330 | 4,148 |
| Average earning assets | $116,524,670 | 4,098 |
| Average equity | $12,848,670 | 4,253 |
| Average total loans | $67,707,000 | 4,305 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1448% | 3,112 |
| Cost of funding earning assets | 0.5926% | 2,042 |
| Net interest margin | 3.5522% | 3,473 |
| Noninterest income to average assets | 0.5519% | 3,036 |
| Noninterest expense to average assets | 2.6591% | 4,082 |
| Loan and lease loss provision to assets | 0.0877% | 2,453 |
| Net operating income to assets | 1.1331% | 1,685 |
| Return on assets (ROA) | 1.2825% | 1,308 |
| Pretax return on assets | 1.2825% | 2,158 |
| Return on Equity (ROE) | 12.6435% | 1,247 |
| Retained earnings to average equity (ytd only) | 11.6833% | 652 |
| Net charge-offs to loans | 0.1071% | 2,112 |
| Credit loss provision to net charge-offs | 150.0000% | 1,254 |
| Earnings coverage of net charge-offs (x) | 20.8889% | 1,314 |
| Efficiency ratio | 68.5356% | 4,085 |
| Assets per employee ($millions) | 3.8775% | 4,178 |
| Cash dividends to net income (ytd only)* | 7.5949% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 5,804 |
| Loan loss allowance to noncurrent loans | 753.6585% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 5,518 |
| Noncurrent loans to loans | 0.1220% | 5,748 |
| Net loans and leases to total assets | 52.0280% | 4,672 |
| Net loans and leases to deposits | 57.9445% | 4,955 |
| Net loans and leases to core deposits | 63.0170% | 4,786 |
| Total domestic deposits to total assets | 89.7895% | 1,184 |
| Equity capital to assets | 10.0667% | 3,766 |
| Core capital (leverage) ratio | 10.0249% | 3,543 |
| Tier 1 risk-based capital ratio | 17.8397% | 2,357 |
| Total risk-based capital ratio | 18.6985% | 2,465 |
| Memoranda: | ||
| Average total assets | $123,200,000 | 4,207 |
| Average earning assets | $115,421,000 | 4,151 |
| Average equity | $12,496,500 | 4,346 |
| Average total loans | $67,227,500 | 4,351 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 2,909 |
| Cost of funding earning assets | 0.6865% | 1,908 |
| Net interest margin | 3.6259% | 3,353 |
| Noninterest income to average assets | 0.5577% | 3,351 |
| Noninterest expense to average assets | 2.7290% | 3,993 |
| Loan and lease loss provision to assets | 0.0924% | 3,265 |
| Net operating income to assets | 1.0823% | 1,990 |
| Return on assets (ROA) | 1.2653% | 1,401 |
| Pretax return on assets | 1.2679% | 2,279 |
| Return on Equity (ROE) | 11.9687% | 1,428 |
| Retained earnings to average equity (ytd only) | 6.2369% | 1,823 |
| Net charge-offs to loans | 0.1007% | 3,831 |
| Credit loss provision to net charge-offs | 162.6866% | 1,401 |
| Earnings coverage of net charge-offs (x) | 20.7313% | 1,531 |
| Efficiency ratio | 69.8633% | 3,858 |
| Assets per employee ($millions) | 3.5892% | 4,708 |
| Cash dividends to net income (ytd only)* | 47.8902% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 5,909 |
| Loan loss allowance to noncurrent loans | 315.5440% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 5,391 |
| Noncurrent loans to loans | 0.2869% | 5,328 |
| Net loans and leases to total assets | 56.2755% | 4,274 |
| Net loans and leases to deposits | 62.8584% | 4,633 |
| Net loans and leases to core deposits | 68.1572% | 4,499 |
| Total domestic deposits to total assets | 89.5275% | 1,314 |
| Equity capital to assets | 10.2259% | 3,475 |
| Core capital (leverage) ratio | 10.5587% | 2,839 |
| Tier 1 risk-based capital ratio | 18.0467% | 2,236 |
| Total risk-based capital ratio | 18.9279% | 2,326 |
| Memoranda: | ||
| Average total assets | $117,993,400 | 4,316 |
| Average earning assets | $108,965,600 | 4,289 |
| Average equity | $12,474,200 | 4,362 |
| Average total loans | $66,547,000 | 4,395 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2999% | 2,996 |
| Cost of funding earning assets | 0.7117% | 1,873 |
| Net interest margin | 3.5882% | 3,504 |
| Noninterest income to average assets | 0.5587% | 3,399 |
| Noninterest expense to average assets | 2.6489% | 4,205 |
| Loan and lease loss provision to assets | 0.0927% | 3,219 |
| Net operating income to assets | 1.1220% | 1,924 |
| Return on assets (ROA) | 1.2577% | 1,526 |
| Pretax return on assets | 1.2600% | 2,482 |
| Return on Equity (ROE) | 11.7999% | 1,541 |
| Retained earnings to average equity (ytd only) | 5.3270% | 2,857 |
| Net charge-offs to loans | 0.0984% | 3,573 |
| Credit loss provision to net charge-offs | 167.3469% | 1,425 |
| Earnings coverage of net charge-offs (x) | 21.9597% | 1,524 |
| Efficiency ratio | 68.5196% | 3,991 |
| Assets per employee ($millions) | 3.5884% | 4,671 |
| Cash dividends to net income (ytd only)* | 54.8559% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8983% | 6,059 |
| Loan loss allowance to noncurrent loans | 535.7143% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 5,731 |
| Noncurrent loans to loans | 0.1677% | 5,816 |
| Net loans and leases to total assets | 55.8995% | 4,334 |
| Net loans and leases to deposits | 64.2972% | 4,489 |
| Net loans and leases to core deposits | 67.9638% | 4,528 |
| Total domestic deposits to total assets | 86.9393% | 2,726 |
| Equity capital to assets | 10.2647% | 3,558 |
| Core capital (leverage) ratio | 10.3527% | 3,164 |
| Tier 1 risk-based capital ratio | 18.0317% | 2,314 |
| Total risk-based capital ratio | 18.9187% | 2,418 |
| Memoranda: | ||
| Average total assets | $117,880,750 | 4,361 |
| Average earning assets | $108,651,000 | 4,339 |
| Average equity | $12,564,750 | 4,386 |
| Average total loans | $66,367,750 | 4,434 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 2,998 |
| Cost of funding earning assets | 0.7438% | 1,743 |
| Net interest margin | 3.5463% | 3,577 |
| Noninterest income to average assets | 0.5692% | 3,388 |
| Noninterest expense to average assets | 2.6406% | 4,249 |
| Loan and lease loss provision to assets | 0.0918% | 3,255 |
| Net operating income to assets | 1.0841% | 1,975 |
| Return on assets (ROA) | 1.1826% | 1,744 |
| Pretax return on assets | 1.1843% | 2,744 |
| Return on Equity (ROE) | 10.9595% | 1,822 |
| Retained earnings to average equity (ytd only) | 3.0076% | 4,405 |
| Net charge-offs to loans | 0.1480% | 2,921 |
| Credit loss provision to net charge-offs | 110.2041% | 2,006 |
| Earnings coverage of net charge-offs (x) | 14.1429% | 1,848 |
| Efficiency ratio | 69.1589% | 3,985 |
| Assets per employee ($millions) | 3.9724% | 3,866 |
| Cash dividends to net income (ytd only)* | 72.5575% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 6,217 |
| Loan loss allowance to noncurrent loans | 715.0000% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 5,829 |
| Noncurrent loans to loans | 0.1216% | 6,025 |
| Net loans and leases to total assets | 56.6307% | 4,191 |
| Net loans and leases to deposits | 63.2108% | 4,599 |
| Net loans and leases to core deposits | 66.4609% | 4,645 |
| Total domestic deposits to total assets | 89.5902% | 1,271 |
| Equity capital to assets | 10.1390% | 3,735 |
| Core capital (leverage) ratio | 10.0100% | 3,495 |
| Tier 1 risk-based capital ratio | 17.7535% | 2,411 |
| Total risk-based capital ratio | 18.6079% | 2,543 |
| Memoranda: | ||
| Average total assets | $117,702,330 | 4,399 |
| Average earning assets | $107,829,670 | 4,390 |
| Average equity | $12,701,330 | 4,396 |
| Average total loans | $66,225,670 | 4,459 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3153% | 2,827 |
| Cost of funding earning assets | 0.7681% | 1,723 |
| Net interest margin | 3.5473% | 3,492 |
| Noninterest income to average assets | 0.5178% | 3,650 |
| Noninterest expense to average assets | 2.6733% | 4,173 |
| Loan and lease loss provision to assets | 0.0908% | 3,146 |
| Net operating income to assets | 0.9684% | 2,357 |
| Return on assets (ROA) | 0.9684% | 2,490 |
| Pretax return on assets | 0.9684% | 3,490 |
| Return on Equity (ROE) | 8.7193% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.7193% | 1,480 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6216% | 3,683 |
| Assets per employee ($millions) | 4.1615% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 6,261 |
| Loan loss allowance to noncurrent loans | 427.3381% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 6,013 |
| Noncurrent loans to loans | 0.2105% | 5,881 |
| Net loans and leases to total assets | 54.2143% | 4,372 |
| Net loans and leases to deposits | 61.0182% | 4,681 |
| Net loans and leases to core deposits | 64.3900% | 4,702 |
| Total domestic deposits to total assets | 88.8494% | 1,767 |
| Equity capital to assets | 10.9377% | 3,033 |
| Core capital (leverage) ratio | 10.1597% | 3,199 |
| Tier 1 risk-based capital ratio | 17.7189% | 2,477 |
| Total risk-based capital ratio | 18.5972% | 2,590 |
| Memoranda: | ||
| Average total assets | $118,954,000 | 4,417 |
| Average earning assets | $107,801,500 | 4,428 |
| Average equity | $13,212,000 | 4,348 |
| Average total loans | $66,433,500 | 4,478 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6384% | 2,856 |
| Cost of funding earning assets | 0.9199% | 1,815 |
| Net interest margin | 3.7184% | 3,567 |
| Noninterest income to average assets | 0.5679% | 3,460 |
| Noninterest expense to average assets | 2.8173% | 3,959 |
| Loan and lease loss provision to assets | 0.0973% | 4,427 |
| Net operating income to assets | 1.1358% | 1,820 |
| Return on assets (ROA) | 1.3675% | 1,282 |
| Pretax return on assets | 1.3711% | 2,138 |
| Return on Equity (ROE) | 12.1522% | 1,468 |
| Retained earnings to average equity (ytd only) | 7.1451% | 1,500 |
| Net charge-offs to loans | 0.1266% | 4,416 |
| Credit loss provision to net charge-offs | 139.2405% | 1,983 |
| Earnings coverage of net charge-offs (x) | 17.6962% | 1,491 |
| Efficiency ratio | 69.4960% | 3,897 |
| Assets per employee ($millions) | 4.0422% | 3,861 |
| Cash dividends to net income (ytd only)* | 41.2031% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 6,398 |
| Loan loss allowance to noncurrent loans | 354.3750% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 5,798 |
| Noncurrent loans to loans | 0.2394% | 5,880 |
| Net loans and leases to total assets | 56.5396% | 4,198 |
| Net loans and leases to deposits | 63.9693% | 4,534 |
| Net loans and leases to core deposits | 67.8070% | 4,560 |
| Total domestic deposits to total assets | 88.3855% | 1,973 |
| Equity capital to assets | 11.2810% | 2,648 |
| Core capital (leverage) ratio | 10.6871% | 2,557 |
| Tier 1 risk-based capital ratio | 17.0670% | 2,616 |
| Total risk-based capital ratio | 17.8944% | 2,792 |
| Memoranda: | ||
| Average total assets | $113,049,600 | 4,517 |
| Average earning assets | $105,985,800 | 4,450 |
| Average equity | $12,722,000 | 4,412 |
| Average total loans | $62,405,400 | 4,616 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6807% | 2,885 |
| Cost of funding earning assets | 0.9563% | 1,817 |
| Net interest margin | 3.7244% | 3,680 |
| Noninterest income to average assets | 0.5857% | 3,381 |
| Noninterest expense to average assets | 2.7450% | 4,192 |
| Loan and lease loss provision to assets | 0.0976% | 4,352 |
| Net operating income to assets | 1.2523% | 1,573 |
| Return on assets (ROA) | 1.4546% | 1,239 |
| Pretax return on assets | 1.4594% | 2,040 |
| Return on Equity (ROE) | 12.9345% | 1,354 |
| Retained earnings to average equity (ytd only) | 6.1920% | 2,570 |
| Net charge-offs to loans | 0.1653% | 3,797 |
| Credit loss provision to net charge-offs | 107.8947% | 2,721 |
| Earnings coverage of net charge-offs (x) | 14.9738% | 1,805 |
| Efficiency ratio | 66.9570% | 4,255 |
| Assets per employee ($millions) | 4.1754% | 3,531 |
| Cash dividends to net income (ytd only)* | 52.1276% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8540% | 6,496 |
| Loan loss allowance to noncurrent loans | 265.6863% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3805% | 5,754 |
| Noncurrent loans to loans | 0.3214% | 5,835 |
| Net loans and leases to total assets | 55.8176% | 4,486 |
| Net loans and leases to deposits | 63.4041% | 4,789 |
| Net loans and leases to core deposits | 67.3928% | 4,792 |
| Total domestic deposits to total assets | 88.0348% | 2,026 |
| Equity capital to assets | 11.5803% | 2,666 |
| Core capital (leverage) ratio | 10.3234% | 3,137 |
| Tier 1 risk-based capital ratio | 17.5556% | 2,522 |
| Total risk-based capital ratio | 18.3923% | 2,625 |
| Memoranda: | ||
| Average total assets | $112,006,000 | 4,586 |
| Average earning assets | $105,679,000 | 4,495 |
| Average equity | $12,596,500 | 4,480 |
| Average total loans | $61,295,500 | 4,715 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 2,827 |
| Cost of funding earning assets | 0.9859% | 1,849 |
| Net interest margin | 3.7384% | 3,646 |
| Noninterest income to average assets | 0.5780% | 3,389 |
| Noninterest expense to average assets | 2.6825% | 4,490 |
| Loan and lease loss provision to assets | 0.0984% | 4,304 |
| Net operating income to assets | 1.3153% | 1,402 |
| Return on assets (ROA) | 1.4745% | 1,163 |
| Pretax return on assets | 1.4781% | 1,929 |
| Return on Equity (ROE) | 13.2437% | 1,298 |
| Retained earnings to average equity (ytd only) | 6.0754% | 2,669 |
| Net charge-offs to loans | 0.2509% | 3,073 |
| Credit loss provision to net charge-offs | 72.3684% | 3,505 |
| Earnings coverage of net charge-offs (x) | 10.4211% | 2,047 |
| Efficiency ratio | 65.4299% | 4,640 |
| Assets per employee ($millions) | 3.8845% | 4,109 |
| Cash dividends to net income (ytd only)* | 54.1262% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 6,615 |
| Loan loss allowance to noncurrent loans | 402.3438% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 5,867 |
| Noncurrent loans to loans | 0.2062% | 6,168 |
| Net loans and leases to total assets | 54.6467% | 4,683 |
| Net loans and leases to deposits | 61.7607% | 5,030 |
| Net loans and leases to core deposits | 66.0777% | 4,997 |
| Total domestic deposits to total assets | 88.4812% | 1,833 |
| Equity capital to assets | 11.2507% | 2,842 |
| Core capital (leverage) ratio | 10.1299% | 3,224 |
| Tier 1 risk-based capital ratio | 17.2922% | 2,549 |
| Total risk-based capital ratio | 18.0899% | 2,702 |
| Memoranda: | ||
| Average total assets | $111,763,000 | 4,625 |
| Average earning assets | $105,286,670 | 4,526 |
| Average equity | $12,443,670 | 4,517 |
| Average total loans | $60,571,330 | 4,766 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7302% | 2,928 |
| Cost of funding earning assets | 1.0125% | 1,902 |
| Net interest margin | 3.7177% | 3,752 |
| Noninterest income to average assets | 0.5606% | 3,493 |
| Noninterest expense to average assets | 2.7165% | 4,371 |
| Loan and lease loss provision to assets | 0.0970% | 4,134 |
| Net operating income to assets | 1.2397% | 1,634 |
| Return on assets (ROA) | 1.2397% | 1,812 |
| Pretax return on assets | 1.2433% | 2,753 |
| Return on Equity (ROE) | 11.1936% | 1,945 |
| Retained earnings to average equity (ytd only) | 8.7602% | 1,679 |
| Net charge-offs to loans | 0.2541% | 2,653 |
| Credit loss provision to net charge-offs | 71.0526% | 2,890 |
| Earnings coverage of net charge-offs (x) | 9.8158% | 1,808 |
| Efficiency ratio | 66.9619% | 4,364 |
| Assets per employee ($millions) | 4.4284% | 3,134 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 6,583 |
| Loan loss allowance to noncurrent loans | 274.8691% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 5,904 |
| Noncurrent loans to loans | 0.3204% | 6,039 |
| Net loans and leases to total assets | 51.3271% | 5,104 |
| Net loans and leases to deposits | 57.6781% | 5,422 |
| Net loans and leases to core deposits | 61.5850% | 5,371 |
| Total domestic deposits to total assets | 88.9889% | 1,698 |
| Equity capital to assets | 10.8131% | 3,127 |
| Core capital (leverage) ratio | 9.8987% | 3,498 |
| Tier 1 risk-based capital ratio | 17.2982% | 2,554 |
| Total risk-based capital ratio | 18.1195% | 2,685 |
| Memoranda: | ||
| Average total assets | $111,319,000 | 4,677 |
| Average earning assets | $104,689,000 | 4,586 |
| Average equity | $12,328,500 | 4,548 |
| Average total loans | $59,819,500 | 4,828 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1942% | 2,081 |
| Cost of funding earning assets | 1.2389% | 1,794 |
| Net interest margin | 3.9554% | 3,084 |
| Noninterest income to average assets | 0.5832% | 3,272 |
| Noninterest expense to average assets | 3.0127% | 3,547 |
| Loan and lease loss provision to assets | 0.1055% | 5,269 |
| Net operating income to assets | 1.1807% | 1,568 |
| Return on assets (ROA) | 1.4925% | 910 |
| Pretax return on assets | 1.4944% | 1,489 |
| Return on Equity (ROE) | 13.7543% | 994 |
| Retained earnings to average equity (ytd only) | 7.5667% | 1,243 |
| Net charge-offs to loans | 0.0221% | 6,135 |
| Credit loss provision to net charge-offs | 846.1538% | 265 |
| Earnings coverage of net charge-offs (x) | 103.3077% | 303 |
| Efficiency ratio | 70.0491% | 3,949 |
| Assets per employee ($millions) | 3.9815% | 3,898 |
| Cash dividends to net income (ytd only)* | 44.9871% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 6,549 |
| Loan loss allowance to noncurrent loans | 245.8716% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 5,835 |
| Noncurrent loans to loans | 0.3632% | 5,995 |
| Net loans and leases to total assets | 55.3312% | 4,831 |
| Net loans and leases to deposits | 62.6584% | 5,156 |
| Net loans and leases to core deposits | 67.2550% | 5,126 |
| Total domestic deposits to total assets | 88.3060% | 1,962 |
| Equity capital to assets | 11.3553% | 2,634 |
| Core capital (leverage) ratio | 10.2849% | 2,989 |
| Tier 1 risk-based capital ratio | 17.1956% | 2,514 |
| Total risk-based capital ratio | 18.0501% | 2,657 |
| Memoranda: | ||
| Average total assets | $104,258,000 | 4,783 |
| Average earning assets | $97,993,200 | 4,685 |
| Average equity | $11,312,800 | 4,713 |
| Average total loans | $58,902,600 | 4,909 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2506% | 2,029 |
| Cost of funding earning assets | 1.2753% | 1,842 |
| Net interest margin | 3.9753% | 3,025 |
| Noninterest income to average assets | 0.5980% | 3,169 |
| Noninterest expense to average assets | 2.9631% | 3,696 |
| Loan and lease loss provision to assets | 0.1057% | 5,124 |
| Net operating income to assets | 1.2695% | 1,454 |
| Return on assets (ROA) | 1.6072% | 835 |
| Pretax return on assets | 1.6072% | 1,368 |
| Return on Equity (ROE) | 14.9932% | 840 |
| Retained earnings to average equity (ytd only) | 8.5366% | 1,300 |
| Net charge-offs to loans | 0.0114% | 5,992 |
| Credit loss provision to net charge-offs | 1,640.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 213.2879% | 182 |
| Efficiency ratio | 68.3007% | 4,259 |
| Assets per employee ($millions) | 3.9148% | 4,037 |
| Cash dividends to net income (ytd only)* | 43.0631% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8754% | 6,669 |
| Loan loss allowance to noncurrent loans | 496.1538% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 6,156 |
| Noncurrent loans to loans | 0.1764% | 6,520 |
| Net loans and leases to total assets | 55.2787% | 4,960 |
| Net loans and leases to deposits | 64.3286% | 5,125 |
| Net loans and leases to core deposits | 66.7120% | 5,338 |
| Total domestic deposits to total assets | 85.9317% | 3,255 |
| Equity capital to assets | 11.4372% | 2,744 |
| Core capital (leverage) ratio | 10.0271% | 3,398 |
| Tier 1 risk-based capital ratio | 17.0180% | 2,640 |
| Total risk-based capital ratio | 17.8432% | 2,779 |
| Memoranda: | ||
| Average total assets | $103,447,500 | 4,830 |
| Average earning assets | $97,333,000 | 4,735 |
| Average equity | $11,089,250 | 4,787 |
| Average total loans | $58,624,000 | 4,966 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4035% | 1,551 |
| Cost of funding earning assets | 1.3021% | 1,931 |
| Net interest margin | 4.1013% | 2,407 |
| Noninterest income to average assets | 0.5141% | 3,753 |
| Noninterest expense to average assets | 2.9154% | 3,964 |
| Loan and lease loss provision to assets | 0.1052% | 4,994 |
| Net operating income to assets | 1.3457% | 1,203 |
| Return on assets (ROA) | 1.5560% | 846 |
| Pretax return on assets | 1.5560% | 1,364 |
| Return on Equity (ROE) | 14.8568% | 826 |
| Retained earnings to average equity (ytd only) | 8.1815% | 1,391 |
| Net charge-offs to loans | 0.0171% | 5,601 |
| Credit loss provision to net charge-offs | 1,080.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 241 |
| Efficiency ratio | 66.7707% | 4,729 |
| Assets per employee ($millions) | 3.8240% | 4,139 |
| Cash dividends to net income (ytd only)* | 44.9312% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 6,803 |
| Loan loss allowance to noncurrent loans | 2,568.4211% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 6,118 |
| Noncurrent loans to loans | 0.0326% | 6,901 |
| Net loans and leases to total assets | 55.9720% | 4,999 |
| Net loans and leases to deposits | 63.1592% | 5,374 |
| Net loans and leases to core deposits | 66.5331% | 5,443 |
| Total domestic deposits to total assets | 88.6206% | 1,773 |
| Equity capital to assets | 11.1140% | 2,851 |
| Core capital (leverage) ratio | 9.7862% | 3,537 |
| Tier 1 risk-based capital ratio | 16.7854% | 2,613 |
| Total risk-based capital ratio | 17.5752% | 2,788 |
| Memoranda: | ||
| Average total assets | $102,697,000 | 4,886 |
| Average earning assets | $96,456,330 | 4,798 |
| Average equity | $10,756,000 | 4,854 |
| Average total loans | $58,517,000 | 5,030 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3844% | 1,621 |
| Cost of funding earning assets | 1.3087% | 2,128 |
| Net interest margin | 4.0757% | 2,362 |
| Noninterest income to average assets | 0.4569% | 4,217 |
| Noninterest expense to average assets | 2.8588% | 4,235 |
| Loan and lease loss provision to assets | 0.1054% | 4,695 |
| Net operating income to assets | 1.3239% | 1,217 |
| Return on assets (ROA) | 1.3239% | 1,263 |
| Pretax return on assets | 1.3239% | 1,966 |
| Return on Equity (ROE) | 13.0429% | 1,182 |
| Retained earnings to average equity (ytd only) | 3.7320% | 3,932 |
| Net charge-offs to loans | 0.0273% | 4,710 |
| Credit loss provision to net charge-offs | 675.0000% | 559 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 343 |
| Efficiency ratio | 66.6667% | 4,911 |
| Assets per employee ($millions) | 3.8743% | 4,129 |
| Cash dividends to net income (ytd only)* | 71.3864% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8061% | 6,907 |
| Loan loss allowance to noncurrent loans | 710.7692% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 6,223 |
| Noncurrent loans to loans | 0.1134% | 6,762 |
| Net loans and leases to total assets | 54.3473% | 5,253 |
| Net loans and leases to deposits | 60.6568% | 5,658 |
| Net loans and leases to core deposits | 63.5920% | 5,776 |
| Total domestic deposits to total assets | 89.5980% | 1,430 |
| Equity capital to assets | 10.1190% | 3,631 |
| Core capital (leverage) ratio | 9.5982% | 3,662 |
| Tier 1 risk-based capital ratio | 16.2866% | 2,770 |
| Total risk-based capital ratio | 17.0370% | 2,964 |
| Memoranda: | ||
| Average total assets | $102,421,500 | 4,934 |
| Average earning assets | $96,278,500 | 4,844 |
| Average equity | $10,396,500 | 4,942 |
| Average total loans | $58,636,500 | 5,061 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6377% | 1,777 |
| Cost of funding earning assets | 1.5468% | 2,365 |
| Net interest margin | 4.0909% | 2,612 |
| Noninterest income to average assets | 0.5238% | 3,997 |
| Noninterest expense to average assets | 2.9515% | 4,032 |
| Loan and lease loss provision to assets | 0.1139% | 6,025 |
| Net operating income to assets | 1.2858% | 1,212 |
| Return on assets (ROA) | 1.2889% | 1,262 |
| Pretax return on assets | 1.2920% | 1,949 |
| Return on Equity (ROE) | 11.7351% | 1,379 |
| Retained earnings to average equity (ytd only) | 0.1414% | 5,511 |
| Net charge-offs to loans | 0.0573% | 6,217 |
| Credit loss provision to net charge-offs | 333.3333% | 768 |
| Earnings coverage of net charge-offs (x) | 41.0606% | 566 |
| Efficiency ratio | 67.7841% | 4,605 |
| Assets per employee ($millions) | 3.8553% | 4,123 |
| Cash dividends to net income (ytd only)* | 98.7952% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7321% | 7,081 |
| Loan loss allowance to noncurrent loans | 618.3099% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 6,232 |
| Noncurrent loans to loans | 0.1184% | 6,846 |
| Net loans and leases to total assets | 59.3807% | 4,774 |
| Net loans and leases to deposits | 66.2792% | 5,366 |
| Net loans and leases to core deposits | 68.5974% | 5,598 |
| Total domestic deposits to total assets | 89.5918% | 1,330 |
| Equity capital to assets | 10.1838% | 3,518 |
| Core capital (leverage) ratio | 10.2552% | 2,811 |
| Tier 1 risk-based capital ratio | 16.0408% | 2,731 |
| Total risk-based capital ratio | 16.7499% | 2,960 |
| Memoranda: | ||
| Average total assets | $96,593,600 | 5,090 |
| Average earning assets | $90,444,400 | 5,002 |
| Average equity | $10,609,200 | 4,958 |
| Average total loans | $57,604,600 | 5,177 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6584% | 1,857 |
| Cost of funding earning assets | 1.5961% | 2,409 |
| Net interest margin | 4.0623% | 2,799 |
| Noninterest income to average assets | 0.5435% | 3,840 |
| Noninterest expense to average assets | 2.9402% | 3,945 |
| Loan and lease loss provision to assets | 0.1143% | 5,889 |
| Net operating income to assets | 1.2917% | 1,353 |
| Return on assets (ROA) | 1.2959% | 1,418 |
| Pretax return on assets | 1.2987% | 2,172 |
| Return on Equity (ROE) | 11.5782% | 1,624 |
| Retained earnings to average equity (ytd only) | -1.7679% | 6,156 |
| Net charge-offs to loans | 0.0748% | 5,771 |
| Credit loss provision to net charge-offs | 256.2500% | 1,296 |
| Earnings coverage of net charge-offs (x) | 31.5906% | 847 |
| Efficiency ratio | 67.6065% | 4,540 |
| Assets per employee ($millions) | 3.7149% | 4,474 |
| Cash dividends to net income (ytd only)* | 115.2689% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 7,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 5,907 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 59.9257% | 4,928 |
| Net loans and leases to deposits | 68.9823% | 5,277 |
| Net loans and leases to core deposits | 71.3919% | 5,588 |
| Total domestic deposits to total assets | 86.8710% | 2,601 |
| Equity capital to assets | 11.3140% | 2,690 |
| Core capital (leverage) ratio | 10.3579% | 2,851 |
| Tier 1 risk-based capital ratio | 16.2748% | 2,644 |
| Total risk-based capital ratio | 16.9609% | 2,859 |
| Memoranda: | ||
| Average total assets | $95,682,500 | 5,169 |
| Average earning assets | $89,634,750 | 5,083 |
| Average equity | $10,709,500 | 4,995 |
| Average total loans | $57,015,500 | 5,277 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6543% | 1,927 |
| Cost of funding earning assets | 1.6219% | 2,537 |
| Net interest margin | 4.0324% | 2,864 |
| Noninterest income to average assets | 0.5431% | 3,767 |
| Noninterest expense to average assets | 2.9419% | 3,918 |
| Loan and lease loss provision to assets | 0.1132% | 5,774 |
| Net operating income to assets | 1.2602% | 1,400 |
| Return on assets (ROA) | 1.2602% | 1,470 |
| Pretax return on assets | 1.2623% | 2,215 |
| Return on Equity (ROE) | 11.3005% | 1,648 |
| Retained earnings to average equity (ytd only) | -6.1861% | 6,671 |
| Net charge-offs to loans | 0.0778% | 5,363 |
| Credit loss provision to net charge-offs | 245.4545% | 1,567 |
| Earnings coverage of net charge-offs (x) | 29.8182% | 926 |
| Efficiency ratio | 68.1399% | 4,559 |
| Assets per employee ($millions) | 3.4398% | 5,074 |
| Cash dividends to net income (ytd only)* | 154.7421% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6988% | 7,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 6,164 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 58.1323% | 5,396 |
| Net loans and leases to deposits | 66.9037% | 5,698 |
| Net loans and leases to core deposits | 68.9792% | 5,977 |
| Total domestic deposits to total assets | 86.8896% | 2,590 |
| Equity capital to assets | 10.8054% | 3,069 |
| Core capital (leverage) ratio | 10.5898% | 2,551 |
| Tier 1 risk-based capital ratio | 16.5747% | 2,446 |
| Total risk-based capital ratio | 17.2560% | 2,632 |
| Memoranda: | ||
| Average total assets | $95,380,670 | 5,208 |
| Average earning assets | $89,277,670 | 5,125 |
| Average equity | $10,636,670 | 5,019 |
| Average total loans | $56,589,670 | 5,328 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6522% | 1,950 |
| Cost of funding earning assets | 1.6677% | 2,553 |
| Net interest margin | 3.9845% | 2,937 |
| Noninterest income to average assets | 0.5394% | 3,735 |
| Noninterest expense to average assets | 2.9290% | 3,954 |
| Loan and lease loss provision to assets | 0.1138% | 5,477 |
| Net operating income to assets | 1.2222% | 1,483 |
| Return on assets (ROA) | 1.2222% | 1,559 |
| Pretax return on assets | 1.2222% | 2,289 |
| Return on Equity (ROE) | 10.7892% | 1,839 |
| Retained earnings to average equity (ytd only) | 10.7892% | 964 |
| Net charge-offs to loans | 0.0847% | 4,582 |
| Credit loss provision to net charge-offs | 225.0000% | 1,681 |
| Earnings coverage of net charge-offs (x) | 26.4167% | 959 |
| Efficiency ratio | 68.6759% | 4,582 |
| Assets per employee ($millions) | 3.4830% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6708% | 7,398 |
| Loan loss allowance to noncurrent loans | 1,396.2963% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 6,148 |
| Noncurrent loans to loans | 0.0480% | 7,290 |
| Net loans and leases to total assets | 57.2387% | 5,561 |
| Net loans and leases to deposits | 64.6110% | 5,987 |
| Net loans and leases to core deposits | 65.8069% | 6,300 |
| Total domestic deposits to total assets | 88.5896% | 1,739 |
| Equity capital to assets | 11.1971% | 2,596 |
| Core capital (leverage) ratio | 10.6687% | 2,473 |
| Tier 1 risk-based capital ratio | 17.5419% | 2,064 |
| Total risk-based capital ratio | 18.1899% | 2,232 |
| Memoranda: | ||
| Average total assets | $94,914,500 | 5,289 |
| Average earning assets | $88,744,000 | 5,204 |
| Average equity | $10,751,500 | 5,037 |
| Average total loans | $56,693,000 | 5,394 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0590% | 1,643 |
| Cost of funding earning assets | 1.9554% | 3,186 |
| Net interest margin | 4.1036% | 2,426 |
| Noninterest income to average assets | 0.4762% | 4,604 |
| Noninterest expense to average assets | 3.0694% | 3,874 |
| Loan and lease loss provision to assets | 0.1123% | 6,520 |
| Net operating income to assets | 1.1422% | 1,405 |
| Return on assets (ROA) | 1.1422% | 1,429 |
| Pretax return on assets | 1.1197% | 2,188 |
| Return on Equity (ROE) | 9.4359% | 1,874 |
| Retained earnings to average equity (ytd only) | -2.2175% | 5,566 |
| Net charge-offs to loans | 0.1001% | 6,132 |
| Credit loss provision to net charge-offs | 185.1852% | 2,200 |
| Earnings coverage of net charge-offs (x) | 20.3148% | 1,046 |
| Efficiency ratio | 71.3577% | 4,378 |
| Assets per employee ($millions) | 3.2966% | 5,495 |
| Cash dividends to net income (ytd only)* | 123.5005% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6330% | 7,509 |
| Loan loss allowance to noncurrent loans | 256.7376% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7378% | 5,632 |
| Noncurrent loans to loans | 0.2466% | 6,806 |
| Net loans and leases to total assets | 61.5629% | 5,093 |
| Net loans and leases to deposits | 69.6880% | 5,646 |
| Net loans and leases to core deposits | 81.7003% | 5,937 |
| Total domestic deposits to total assets | 88.3407% | 1,797 |
| Equity capital to assets | 11.4654% | 2,339 |
| Core capital (leverage) ratio | 10.8735% | 2,299 |
| Tier 1 risk-based capital ratio | 16.7574% | 2,217 |
| Total risk-based capital ratio | 17.3692% | 2,401 |
| Memoranda: | ||
| Average total assets | $89,039,800 | 5,421 |
| Average earning assets | $83,000,600 | 5,364 |
| Average equity | $10,778,000 | 5,084 |
| Average total loans | $53,928,800 | 5,507 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0918% | 1,679 |
| Cost of funding earning assets | 2.0084% | 3,319 |
| Net interest margin | 4.0833% | 2,466 |
| Noninterest income to average assets | 0.4927% | 4,548 |
| Noninterest expense to average assets | 3.0724% | 3,759 |
| Loan and lease loss provision to assets | 0.1088% | 6,286 |
| Net operating income to assets | 1.1501% | 1,586 |
| Return on assets (ROA) | 1.1501% | 1,654 |
| Pretax return on assets | 1.1214% | 2,498 |
| Return on Equity (ROE) | 9.3716% | 2,134 |
| Retained earnings to average equity (ytd only) | 5.0491% | 2,460 |
| Net charge-offs to loans | 0.1230% | 5,465 |
| Credit loss provision to net charge-offs | 146.9388% | 3,301 |
| Earnings coverage of net charge-offs (x) | 16.6127% | 1,463 |
| Efficiency ratio | 71.4085% | 4,345 |
| Assets per employee ($millions) | 3.2478% | 5,525 |
| Cash dividends to net income (ytd only)* | 46.1237% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6323% | 7,519 |
| Loan loss allowance to noncurrent loans | 73.6957% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 4,950 |
| Noncurrent loans to loans | 0.8580% | 5,582 |
| Net loans and leases to total assets | 58.5839% | 5,800 |
| Net loans and leases to deposits | 67.2452% | 6,191 |
| Net loans and leases to core deposits | 78.1949% | 6,469 |
| Total domestic deposits to total assets | 87.1198% | 2,121 |
| Equity capital to assets | 12.5272% | 1,937 |
| Core capital (leverage) ratio | 11.3478% | 2,162 |
| Tier 1 risk-based capital ratio | 18.8438% | 1,782 |
| Total risk-based capital ratio | 19.4485% | 1,880 |
| Memoranda: | ||
| Average total assets | $88,223,750 | 5,475 |
| Average earning assets | $82,316,750 | 5,414 |
| Average equity | $10,826,750 | 5,107 |
| Average total loans | $53,114,250 | 5,589 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1363% | 1,663 |
| Cost of funding earning assets | 1.9874% | 3,836 |
| Net interest margin | 4.1489% | 2,162 |
| Noninterest income to average assets | 0.4856% | 4,579 |
| Noninterest expense to average assets | 3.0944% | 3,729 |
| Loan and lease loss provision to assets | 0.1031% | 6,138 |
| Net operating income to assets | 1.2094% | 1,449 |
| Return on assets (ROA) | 1.2094% | 1,535 |
| Pretax return on assets | 1.1613% | 2,421 |
| Return on Equity (ROE) | 9.9264% | 2,044 |
| Retained earnings to average equity (ytd only) | 5.3016% | 2,346 |
| Net charge-offs to loans | 0.1889% | 4,373 |
| Credit loss provision to net charge-offs | 90.0000% | 4,924 |
| Earnings coverage of net charge-offs (x) | 11.0400% | 1,941 |
| Efficiency ratio | 70.9932% | 4,593 |
| Assets per employee ($millions) | 3.2174% | 5,543 |
| Cash dividends to net income (ytd only)* | 46.5909% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5863% | 7,659 |
| Loan loss allowance to noncurrent loans | 74.0476% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.0301% | 4,910 |
| Noncurrent loans to loans | 0.7917% | 5,649 |
| Net loans and leases to total assets | 58.5405% | 5,896 |
| Net loans and leases to deposits | 66.7739% | 6,321 |
| Net loans and leases to core deposits | 78.5154% | 6,511 |
| Total domestic deposits to total assets | 87.6698% | 1,940 |
| Equity capital to assets | 12.0027% | 2,201 |
| Core capital (leverage) ratio | 11.6849% | 1,988 |
| Tier 1 risk-based capital ratio | 19.2959% | 1,721 |
| Total risk-based capital ratio | 19.8709% | 1,811 |
| Memoranda: | ||
| Average total assets | $87,319,000 | 5,543 |
| Average earning assets | $81,515,000 | 5,487 |
| Average equity | $10,638,330 | 5,178 |
| Average total loans | $52,947,670 | 5,639 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1131% | 1,900 |
| Cost of funding earning assets | 1.9701% | 4,286 |
| Net interest margin | 4.1431% | 2,112 |
| Noninterest income to average assets | 0.4422% | 4,856 |
| Noninterest expense to average assets | 2.9837% | 3,845 |
| Loan and lease loss provision to assets | 0.0838% | 5,882 |
| Net operating income to assets | 1.3731% | 1,201 |
| Return on assets (ROA) | 1.3731% | 1,293 |
| Pretax return on assets | 1.2707% | 2,374 |
| Return on Equity (ROE) | 11.1838% | 1,917 |
| Retained earnings to average equity (ytd only) | 11.1838% | 935 |
| Net charge-offs to loans | 0.1134% | 4,060 |
| Credit loss provision to net charge-offs | 120.0000% | 3,275 |
| Earnings coverage of net charge-offs (x) | 19.4000% | 1,424 |
| Efficiency ratio | 68.7768% | 4,822 |
| Assets per employee ($millions) | 3.1130% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5950% | 7,663 |
| Loan loss allowance to noncurrent loans | 63.1683% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.0738% | 4,545 |
| Noncurrent loans to loans | 0.9420% | 5,113 |
| Net loans and leases to total assets | 61.1369% | 5,480 |
| Net loans and leases to deposits | 70.0189% | 5,977 |
| Net loans and leases to core deposits | 80.8846% | 6,316 |
| Total domestic deposits to total assets | 87.3149% | 2,060 |
| Equity capital to assets | 12.4236% | 2,016 |
| Core capital (leverage) ratio | 12.1142% | 1,847 |
| Tier 1 risk-based capital ratio | 19.5418% | 1,711 |
| Total risk-based capital ratio | 20.1384% | 1,791 |
| Memoranda: | ||
| Average total assets | $85,934,500 | 5,605 |
| Average earning assets | $80,810,000 | 5,525 |
| Average equity | $10,551,000 | 5,226 |
| Average total loans | $52,897,000 | 5,673 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5279% | 2,824 |
| Cost of funding earning assets | 2.2958% | 5,173 |
| Net interest margin | 4.2320% | 2,190 |
| Noninterest income to average assets | 0.6019% | 3,832 |
| Noninterest expense to average assets | 3.0822% | 3,773 |
| Loan and lease loss provision to assets | 0.0479% | 6,819 |
| Net operating income to assets | 1.4103% | 1,206 |
| Return on assets (ROA) | 1.4091% | 1,167 |
| Pretax return on assets | 1.4177% | 1,917 |
| Return on Equity (ROE) | 11.8546% | 1,640 |
| Retained earnings to average equity (ytd only) | 8.2476% | 765 |
| Net charge-offs to loans | 0.0325% | 6,369 |
| Credit loss provision to net charge-offs | 243.7500% | 1,909 |
| Earnings coverage of net charge-offs (x) | 74.6250% | 547 |
| Efficiency ratio | 67.7559% | 4,764 |
| Assets per employee ($millions) | 3.2578% | 5,316 |
| Cash dividends to net income (ytd only)* | 30.4272% | 4,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6055% | 7,670 |
| Loan loss allowance to noncurrent loans | 32.0487% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 1.2975% | 3,628 |
| Noncurrent loans to loans | 1.8894% | 2,926 |
| Net loans and leases to total assets | 61.2356% | 5,735 |
| Net loans and leases to deposits | 69.8723% | 6,280 |
| Net loans and leases to core deposits | 80.3485% | 6,590 |
| Total domestic deposits to total assets | 87.6393% | 1,645 |
| Equity capital to assets | 12.1281% | 2,210 |
| Core capital (leverage) ratio | 12.0632% | 1,938 |
| Tier 1 risk-based capital ratio | 19.2483% | 1,762 |
| Total risk-based capital ratio | 19.8475% | 1,845 |
| Memoranda: | ||
| Average total assets | $81,402,200 | 5,648 |
| Average earning assets | $75,920,800 | 5,588 |
| Average equity | $9,675,600 | 5,515 |
| Average total loans | $49,180,200 | 5,738 |